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Eligibility for the UU Group Insurance Plans

Eligibility for the UU Group Insurance Plans

The three Unitarian Universalist Group Insurance Plans (UUGIP) are:

Long Term Disability (LTD)

Life/AD&D (Life plus accidental death and dismemberment)

Dental

There is no waiting period before eligible employees may enroll. New employees must enroll within 60 days of their hire date. Coverage is effective on the day after the form is received by the Insurance Plans Coordinator.

Who is Eligible for Dental, Life and LTD Coverage?

Employees who may be eligible to participate:

Ministers of Unitarian Universalist (UU) congregations

Staff of UU congregations and certain affiliated organizations

UU Community Ministers affiliated with a congregation

Employees who work at least 750 hours per year (15 hours per week) and receive a W-2 are eligible to participate. The contract with our insurer, the Guardian Life Insurance Company, requires employers who offer coverage to offer both Life and LTD insurance to all eligible employees. There is no requirement for employers to pay for the coverage for their employees. Employees may choose to elect only life or LTD, but both plans must be offered. If coverage is waived at time of enrollment, medical evidence of eligibility must be submitted for underwriting approval before coverage can be added at a later time.

Dependent Eligibility

Dependent coverage is available for dental and life insurance only.

Dependents include:

Spouse/partners, children and children of spouse/partners up to age 26 for dental insurance. unmarried children up to age 22, or age 25 if full time students for life insurance.

Domestic Partner Eligibility/Definition

Domestic partner must have 3 of the following:

Domestic partner agreement or proof of registry with a domestic partner registry

Joint mortgage or lease

Designation of one of partners as beneficiary in other partner's will

Durable property and health care powers of attorney

Joint title to an automobile or joint back account or credit account

Such other proof as is sufficient to establish economic interdependency under the circumstances of the particular case

These must also be true:

Unmarried, at least 18 years of age, resides with the other partner and intends to continue to reside with the other partner for an indefinite period of time

Is not related to the other partner by adoption or blood

Is the sole domestic partner of the other partner and has been a member of this domestic partnership for at least 6 months

Agrees to be jointly responsible for the basic living expenses and welfare of the other partner

Meets the requirements of any applicable federal, state or local laws or ordinances for domestic partnerships which are currently enacted, or which may be enacted in the future

To be eligible for dependent coverage, proof that dependents meet the above criteria may be required.

When Can an Eligible Employee Enroll in Life and LTD Coverage?

Eligible employees must enroll within the first 60 (sixty) calendar days from date of hire/eligibility. If this deadline is missed, medical evidence of insurability is required and must be approved by Guardian's underwriters. Enrollment is not guaranteed after the first 60 days of employment.

Employees who did not apply for LTD and/or Life/AD&D coverage during their first 60 (sixty) calendar days from date of hire/eligibility may contact insurance_plans [at] uua [dot] org to inquire about submitting evidence of insurability for underwriting approval.